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Find out what you need to do to avoid paying a penalty for being uninsured in 2014.
What you need to do to buy health insurance, can you keep your current health insurance, why was your health insurance cancelled

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THE FACTS
the facts
The Facts
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Who We Are
  • Our Mission
    Our Mission

    Fighting for a safe marketplace and empowering
    consumers to protect themselves.

    Consumer Reports is a national nonprofit organization with one and only one mission: to take the side of consumers wherever they may need it. We test products, call out unfair business practices, and help consumers navigate complicated services such as insurance, credit cards, and phone and cable companies. We are strictly nonpartisan and we don't take money or ads from industry. You may know us best through our iconic publication, Consumer Reports magazine.

  • Why We're Doing This
    Why We're Doing This

    To help you understand a complicated new law

    The new health law (aka the Affordable Care Act) is the biggest change in the American health care system in more than a generation. We’ve created the Health Law Helper to give consumers accurate and unbiased information about this complex new law and how it affects them.

    HealthLawHelper is an informational tool designed for individual consumers. It incorporates the best information Consumer Reports has about the federal healthcare law's impact on consumers. Consumer Reports and its publishers, licensors and any suppliers cannot be responsible for errors or omissions, or any consequences arising from your use of HealthLawHelper.

  • How You Can Help
    How You Can Help

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Usage Guidelines

The HealthLaw Tool and the information it provides is intended for education and informational use only. By downloading the code to embed the HealthLaw Tool, you agree to our Terms of Use, which include our Privacy Policy, and these Usage Guidelines. Consumers Union of United States, Inc. has the right to modify these Usage Guidelines. Any modification is effective immediately upon posting to these Usage Guidelines on the ConsumerReports.org web site, and your continued use of the HealthLaw Tool following modification to these Usage Guidelines shall be conclusively deemed an acceptance of all such modification(s).

Who We Are
The HealthLaw Tool is published by Consumers Union of United States, Inc. ("CU"), the non-profit publisher of Consumer Reports® magazine and ConsumerReports.org®. CU does not sell insurance products and does not endorse any retailers who do. We are an independent, non-profit research organization that tests and evaluates products and services with a mission to work for a fair, just, and safe marketplace and to empower consumers as they buy products and services.

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CU grants a limited license on a revocable, non-exclusive, worldwide basis for you to use and embed and publicly display the HealthLaw Tool to share information with others on your web site and in other digital media. You agree to use the HealthLaw Tool according to these Usage Guidelines, as they may be updated from time to time, and in accordance with other policies or direction from CU.

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You may not use, attempt to use, or encourage others to use the HealthLaw Tool:

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The HealthLaw Tool and its code may include certain intellectual property of CU or its Affiliates, including trademarks, service marks, names, logos, or other identifiers of CU or its Affiliates. You expressly agree that you will not use these marks in a manner inconsistent with the Terms of Service. Without limitation to the foregoing, you may not edit or alter the HealthLaw Tool, its content, or the code provided to embed the HealthLaw Tool, or any of CU’s marks, in any manner.

CU reserves the right to prohibit your use of the HealthLaw Tool if you violate any of these Usage Guidelines, or the Terms of Use, which include our Privacy Policy. You agree to stop using or distributing the HealthLaw Tool and to remove it from any and all media immediately upon notice by CU.

The HealthLaw Tool is intended as an informational and educational tool for individual consumers. We have incorporated the best available information concerning the impact of federal healthcare law on consumers. If we find, or are alerted to, an error, we will correct this as quickly as possible. However, CU and its authors, editors, publishers, licensors and any suppliers cannot be responsible for errors or omissions, or any consequences from the use of the information accessed using the HealthLaw Tool.

The HealthLaw Tool is provided on an "as is" and "as available" basis, without warranty of any kind. TO THE FULLEST EXTENT PERMISSIBLE BY LAW, CU AND ITS AFFILIATES DISCLAIM ALL EXPRESS OR IMPLIED WARRANTIES OF ANY KIND, INCLUDING, BUT NOT LIMITED TO, WARRANTIES OF TITLE OR IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE (WHETHER OR NOT THE PURPOSE HAS BEEN DISCLOSED), COMPATABILITY, SECURITY, ACCURACY, OR NON-INFRINGEMENT.

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